Sinking Funds planner
The MOT, car tax, insurance renewal, TV Licence, Christmas — none of them arrive monthly, so they land like a shock. Tell this what each costs a year and it works out the small amount to tuck away each month, per pot and combined.
Your annual costs
List the bills that don’t arrive monthly — the MOT, insurance renewal, TV Licence, Christmas. Put the whole year’s cost; edit or delete anything that doesn’t apply.
Put £124.95 into a separate savings pot each month and the money is already there when each bill lands — no scramble, no card, no shock.
Self-directed budgeting tool, not financial advice. MOT and TV Licence figures are gov.uk guide costs; the rest vary — edit them to your own bills.
UK Sinking Funds & Annual Bills Planner
This works out the monthly figure. The full UK Sinking Funds planner tracks what you’ve saved into each pot, fills a progress bar every month, and maps which months are lumpy — with a UK cost guide built in.